The typical RoI is roughly 8.1% which is similar to some Hedge Funds. The way they process defaults is a lot better than some banks. When a lender defaults, Funding Circle will reduce the payments allowing the borrower to recover. Often the business is able to return most of the capital.

Funding Circle has been around since 2010 and is a lending marketplace that allows investors to lend money directly to small and medium-sized businesses.

Funding Circle was the 1st website to allow P2P lending for companies in Britain and now operates in the Germany, US, UK and the Netherlands. Funding Circle has facilitated over £5 billion in loans to SMEs as at June 2018.

Funding Circle was created in 2010 by Samir Desai, James Meekings and Andrew Mullinger

Funding Circle is brilliant for investors looking for a better return than many bank could give them